Best Uninsured Motorist Coverage (UM) Auto Insurance Companies (2021)
The best uninsured motorist coverage (UM) auto insurance companies are GEICO and State Farm. Required by law in 18 states, uninsured motorist coverage auto insurance rates range from $50 to $75 annually or $63 on average. Uninsured motorist coverage auto insurance quotes are usually affordable, so consider adding it to your policy, especially if you live in a state with a higher than average rate of uninsured drivers.
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Written by
Leslie Kasperowicz
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Reviewed by
Daniel Walker
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UPDATED: Sep 29, 2021
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- The best uninsured motorist coverage (UM) auto insurance companies are GEICO and State Farm
- Uninsured motorist coverage is required by law in 18 states
- On average, uninsured motorist coverage costs between $50 to $75 annually, or $63 on average
Required by law in 18 states, the best uninsured motorist coverage (UM) auto insurance companies are GEICO and State Farm.
Uninsured motorist coverage auto insurance rates cost just $63 annually on average, or $5.25 per month, and pays for your expenses if you’re involved in an accident with a driver who doesn’t carry insurance.
Driving without insurance is illegal in most states, but statistical evidence suggests that one in eight drivers are uninsured.
Keep reading to discover more about how uninsured motorist coverage works and determine if you should add it to your auto insurance policy.
After learning about uninsured motorist coverage auto insurance quotes, remember to enter your ZIP code into our free tool above to compare rates from reliable providers in your region.
Table of Contents
What are the best uninsured motorist coverage auto insurance companies?
Legally, uninsured motorist coverage is required in 18 states. But any driver who can reasonably afford to add UM coverage to their policies should do so.
According to the Insurance Information Institute (III), up to 13% of drivers do not carry auto insurance. So if you’re hit by one, your liability policy is not going to cover your damages.
So investing in uninsured motorist coverage now could prevent you from paying out of pocket for someone else’s mistake later on.
How much does uninsured motorist coverage cost? Uninsured motorist coverage auto insurance rates average $63 per year or $5.25 per month.
However, costs vary based on your age, driving record, coverage needs, and the provider you use. So if you buy uninsured motorist coverage auto insurance, expect to pay between $50 and $75 annually.
What company offers the cheapest uninsured motorist coverage? Compare average annual auto insurance rates from the leading providers in the table below.
| Auto Insurance Companies | Average Annual Auto Insurance Rates |
|---|---|
| Allstate | $2,722.99 |
| GEICO | $1,560.91 |
| Liberty Mutual | $4,331.75 |
| Nationwide | $2,487.58 |
| Progressive | $3,167.91 |
| Safeco | $8,476.85 |
| State Farm | $2,192.80 |
| Travelers | $2,253.96 |
| USAA | $1,690.19 |
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Keep in mind that the above premiums represent whole policies that include uninsured motorist coverage.
The best uninsured motorist coverage auto insurance company offering the cheapest average rates is GEICO Auto Insurance Company.
GEICO underwrites policies in all 50 states and offers a substantial amount of discounts.
This provider also has decent customer service reviews in addition to having a solid financial rating.
State Farm Auto Insurance Company is another great option for uninsured motorist coverage. Although State Farm does not have as many discount options as GEICO, the company offers more considerable rate reductions for customer loyalty.
Finally, the cheapest company for uninsured motorist protection is USAA Auto Insurance Company. However, only military families can use its services.
But for those who do qualify, USAA offers competitive rates and just as many discounts as GEICO.
Many different factors impact the cost of auto insurance, including driver age, ZIP code, state laws, and even the car make and model you drive.
Plus, not every company is active in every region. So check out some of our honorable mentions:
- Allstate Auto Insurance Company
- Liberty Mutual Auto Insurance Company
- Nationwide Auto Insurance Company
- Progressive Auto Insurance Company
- Travelers Auto Insurance Company
However, to truly secure your cheapest uninsured motorist coverage auto insurance quotes, compare rates online from multiple companies.
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What is uninsured motorist coverage?
Uninsured motorist coverage replaces an at-fault driver’s liability policy if you’re hit by someone who has no insurance.
Typically, after an accident you did not cause, you’d file a claim through the other driver’s liability policy. However, if the other driver has no policy, then you’re left to cover your expenses entirely out of pocket.
But with uninsured motorist insurance, you can file a claim with your own company to cover the cost of your medical bills and property damage.
How many uninsured motorists exist in your state? Find out by looking at the table below.
| State | Percent of Uninsured Motorists |
|---|---|
| Alabama | 18% |
| Alaska | 15% |
| Arizona | 12% |
| Arkansas | 17% |
| California | 15% |
| Colorado | 13% |
| Connecticut | 9% |
| Delaware | 11% |
| District of Columbia | 16% |
| Florida | 27% |
| Georgia | 12% |
| Hawaii | 11% |
| Idaho | 8% |
| Illinois | 14% |
| Indiana | 17% |
| Iowa | 9% |
| Kansas | 7% |
| Kentucky | 12% |
| Louisiana | 13% |
| Maine | 5% |
| Maryland | 12% |
| Massachusetts | 6% |
| Michigan | 20% |
| Minnesota | 12% |
| Mississippi | 24% |
| Missouri | 14% |
| Montana | 10% |
| Nebraska | 7% |
| Nevada | 11% |
| New Hampshire | 10% |
| New Jersey | 15% |
| New Mexico | 21% |
| New York | 6% |
| North Carolina | 7% |
| North Dakota | 7% |
| Ohio | 12% |
| Oklahoma | 11% |
| Oregon | 13% |
| Pennsylvania | 8% |
| Rhode Island | 15% |
| South Carolina | 9% |
| South Dakota | 8% |
| Tennessee | 20% |
| Texas | 14% |
| Utah | 8% |
| Vermont | 7% |
| Virginia | 10% |
| Washington | 17% |
| West Virginia | 10% |
| Wisconsin | 14% |
| Wyoming | 8% |
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It also covers hit-and-run scenarios in some states, meaning instances where the driver leaves the accident scene without exchanging information.
However, the following states do not allow UM insurance to pay for hit-and-run accidents:
- California
- Colorado
- Georgia
- Illinois
- Louisiana
- Ohio
There are also two kinds of uninsured motorist coverages, bodily injury and property damage.
You use your bodily injury coverage for medical needs and property damage coverage to fix your car or replace personal items.
So what’s the difference between uninsured motorist coverage and underinsured motorist coverage?
Underinsured motorist coverage usually costs less because it covers accidents with drivers who don’t carry enough insurance.
So can you stack uninsured and underinsured motorist coverage? In some states, the two policies do combine to lead to greater coverage limits.
Verify what your local laws are for more details.
How do you file an uninsured motorist claim?
So how does uninsured motorist coverage work? First, if you get hit by a driver with no insurance, inform your provider and present detailed information, including photographic evidence if possible. Also, file a police report.
After the adjuster has investigated the accident, determine if you think the payment amount is acceptable.
You’ll then receive a reimbursement check for the agreed-upon amount from your provider in the mail.
How much can you get from an uninsured motorist claim? It depends on your specific insurance limits and the laws where you live.
But it’s not uncommon to recover all or most lost wages and damage costs.
Do you need uninsured motorist coverage?
If uninsured motorist coverage is available and you can reasonably afford it, you should add it to your auto insurance policy.
However, 18 states currently require drivers to carry some level of UM insurance to drive on the roads legally.
Most places require both uninsured and underinsured limits. But the following states only require uninsured motorist protection:
- District of Columbia
- Missouri
- South Carolina
- West Virginia
- Wisconsin
Residents of the following states must carry both uninsured motorist coverage and underinsured motorist coverage:
- Connecticut
- Illinois
- Maine
- Maryland
- Minnesota
- Nebraska
- New Hampshire
- New Jersey
- New York
- North Carolina
- North Dakota
- Oregon
- South Dakota
- Vermont
- Virginia
In New Hampshire and Virginia, however, you have the option to waive auto insurance coverage if you show proof of financial responsibility.
The table below compares the minimum uninsured motorist coverage limits required by or offered in each state.
| State | UM or UM/UIM Required | Coverage Limits |
|---|---|---|
| Connecticut | UM/UIM | Bodily injury coverage $25,000 per person, $50,000 per accident |
| District of Columbia | UM | Bodily injury coverage of at least $25,000 per person, $50,000 per accident Property damage coverage of at least $5,000 per accident, subject to a $200 deductible |
| Illinois | UM/UIM | Bodily injury coverage of at least $25,000 per person, $50,000 per accident |
| Maine | UM/UIM | Bodily injury coverage of at least $50,000 per person, $100,000 per accident |
| Maryland | UM/UIM | Bodily injury coverage of at least $30,000 per person, $60,000 per accident Property damage coverage of at least $15,000 per accident |
| Massachusetts | UM/UIM | Bodily injury coverage of at least $20,000 per person, $40,000 per accident |
| Minnesota | UM/UIM | Bodily injury coverage of at least $25,000 per person, $50,000 per accident |
| Missouri | UM | Bodily injury coverage of at least $25,000 per person, $50,000 per accident |
| Nebraska | UM/UIM | Bodily injury coverage of at least $25,000 per person, $50,000 per accident |
| New Hampshire | UM/UIM | Bodily injury coverage of at least $25,000 per person, $50,000 per accident |
| New Jersey | UM/UIM | Drivers can choose to add coverage |
| New York | UM/UIM | Bodily injury coverage of at least $25,000 per person, $50,000 per accident |
| North Carolina | UM/UIM | Bodily injury coverage of at least $30,000 per person, $60,000 per accident Property damage coverage of at least $25,000 per accident |
| North Dakota | UM/UIM | Bodily injury coverage of at least $25,000 per person, $50,000 per accident |
| Oregon | UM/UIM | Bodily injury coverage of at least $25,000 per person, $50,000 per accident |
| South Carolina | UM | Bodily injury coverage of at least $25,000 per person, $50,000 per accident Property damage coverage of at least $25,000 per accident, subject to a $200 deductible |
| South Dakota | UM/UIM | Bodily injury coverage of at least $25,000 per person, $50,000 per accident |
| Vermont | UM/UIM | Bodily injury coverage of at least $50,000 per person, $100,000 per accident Property damage coverage of at least $10,000 per accident, subject to a $150 deductible |
| Virginia | UM/UIM | Bodily injury coverage of at least $25,000 per person, $50,000 per accident Property damage coverage of at least $20,000 per accident, subject to a $200 deductible |
| West Virginia | UM | Bodily injury coverage of at least $25,000 per person, $50,000 per accident Property damage coverage of at least $25,000 per accident |
| Wisconsin | UM | Bodily injury coverage of at least $25,000 per person, $50,000 per accident |
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Why would you reject uninsured motorist coverage? Other insurance coverages similar to UM insurance include personal injury protection (PIP) and collision coverage.
PIP insurance is not available everywhere but is usually required in no-fault states. Similar to medical payments coverage (MedPay), it covers your medical costs regardless of fault.
If you purchase high limits of PIP or MedPay, adding bodily injury uninsured motorist protection may be redundant.
What about the similarities between uninsured motorist coverage versus collision coverage? Collision insurance pays for damage to your vehicle and property.
So if you invest in full coverage insurance, you may not need extra property damage uninsured motorist protection.
If you live in a state that does not require UM insurance, plus you pay for MedPay or PIP insurance as well as collision coverage, you might not need uninsured motorist coverage.
But collision policies usually have deductibles you’re responsible for paying for out-of-pocket.
Plus, uninsured motorist insurance usually costs less than collision insurance, MedPay, and PIP insurance.
In fact, it’s usually even cheaper than liability policies. So at the end of the day, it’s typically worth adding UM insurance to your policy.
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Best Uninsured Motorist Coverage (UM) Auto Insurance Companies: The Bottom Line
Most drivers benefit from adding uninsured motorist coverage to their auto policies.
GEICO, State Farm, and USAA offer the cheapest average uninsured motorist coverage. But, typically, UM insurance is affordable and easy to secure.
When you’re ready to secure affordable uninsured motorist coverage auto insurance, enter your ZIP code into our free rate tool below to compare quotes from the best companies near you.